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305 E 23rd St, Yankton, SD, 57078

5beds
2baths
2,332sqft
$314,900
$135price/sqft
$2,349/moest. monthly cost
$93,960/yrincome needed

About This Home

Five bedrooms is a lot of bedrooms. Most houses in this price range give you three and ask you to figure the rest out — convert the dining room, finish the basement, get creative. 305 E 23rd doesn't make you get creative. Four bedrooms sit on the main floor, off a hallway that does the one job a hallway is supposed to do. The fifth is downstairs, far enough from the others that whoever ends up there gets a little kingdom of their own. The house was built in 1971, back when a split level was the answer to the question "how do we fit a real family in a reasonable footprint without stacking everyone on top of each other." The answer turned out to be: put the bedrooms up, put the living down, let the staircase do the heavy lifting. It still works. The main floor flows the way it was designed to flow. The lower level handles whatever the upstairs doesn't want to handle. That lower level is where the house gets interesting. The family room runs nearly thirty feet — long enough for a sectional and a pool table and still room for the dog. There's a flex room next to it, the kind of room that gets called an office on Monday and a craft room on Saturday and a guest crash space when someone's brother shows up unannounced. A two-car attached garage handles the vehicles and whatever else needs a roof over it. The neighborhood around the house has been settled long enough that the trees have grown into themselves and the streets feel like streets, not subdivisions.

Getting Around

50
WalkingSomewhat Walkable
0
TransitVery Limited Transit
41
BikeSomewhat Bikeable

Schools

3/10
Stewart Elementary - 05Grades K-50.4 mi
7/10
9/10
Yankton High School - 01Grades 9-121.3 mi

Construction

Condition

  • Year built: 1971

Materials

  • Roof: Asphalt
  • Construction materials: Steel Siding

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Basement

  • Has basement: Yes
  • Basement: Partial

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 2
  • Full bathrooms: 1
  • 3/4 bathrooms: 1

Features

  • Number of fireplaces: 1
  • Fireplace features: Gas
  • Fireplace: Yes
  • Finished area below ground: 912
  • Finished area above ground: 1,420

Heating & Cooling

  • Heating features: Forced Air
  • Cooling features: Central Air

Interior Area

  • Total structure area: 2,332
  • Total interior livable area: 2,332 sqft

Property

Details

  • Parcel number: 78470001030

Features

  • Levels: Split Level

Lot

  • Lot size: 8,276 sqft

Parking

  • Total spaces: 2
  • Parking features: 2 Car
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Cold Wave
    Cold WaveVery High
  • Ice Storm
    Ice StormVery High
  • Lightning
    LightningVery High
  • Tornado
    TornadoVery High
  • Winter Weather
    Winter WeatherVery High
  • Hail
    HailRelatively High
  • Heat Wave
    Heat WaveRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Strong Wind
    Strong WindRelatively High

How This Home’s Risks Compare

Cold Wave
Ice Storm
Lightning
Tornado
Winter Weather
Hail
Heat Wave
Inland Flooding
Strong Wind

FEMA Declared Disasters in Yankton County and South Dakota

Flood
Severe Storm
Snowstorm
Straight Line Winds
Tornado
Winter Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $1,592$19,104
Home Insurance $236$2,832
Property Taxes $343$4,116
Electricity $178$2,137
Total$2,349$28,188

Income You'd Need if You Spent...

35% on housing$80,537/yr
40% on housing$70,470/yr
45% on housing$62,640/yr

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 5.0%
5.0%
0%30.0%
Electricity Growth Rate10-year average: 2.1%
2.1%
0%15.0%
Property Taxes Growth Rate2-year average: -1.3%
-1.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$135This listing

vs Other Active Listings

Avg $/sqft

ZIP 57078$146
Yankton County$140

vs Homes Sold Last Month

Median $/sqft

ZIP 57078$144
Yankton County$148

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-05-01Listed for sale$350,000
2022-01-28Sold$270,000

For Sale by Agent

AgentMason Schramm
BrokerageThe Move Group

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